In 2013, Alabama enacted the Mandatory Liability Insurance Law to help define Alabama car insurance rules for all drivers. The law now requires Alabama drivers to carry auto insurance for their registered vehicles.
Read more to learn about Alabama car insurance requirements, programs, rates and discounts.
To fulfill Alabama car insurance laws, you must have liability insurance to help pay for any damages or injuries you may cause to others in a car accident.
Your liability coverage must include the following minimums:
Your liability insurance will not cover damages to your car or your personal injuries. However, most Alabama car insurance companies offer optional types of coverage to help with these costs.
When shopping for car insurance, consider these optional types of coverage:
NOTE: If your car is being financed or leased, you may be required to buy collision and comprehensive coverage as part of your finance agreement.
If you are caught driving without proper Alabama car insurance, you face the following penalties:
If your vehicle registration is suspended due to a car insurance violation you will have to pay the following fees to have it reinstated:
When you have your driver’s license reinstated after a suspension, you may be required to file an SR22 with the state.
An SR22 certificate is not insurance; it is a form of proof of insurance that guarantees you will maintain the minimum requirements for car insurance.
All Alabama drivers must have at least minimum auto coverage. Alabama Insurance Agency, with locations in Pace and Pensacola, helps local drivers find the right coverage for the right price.
Get additional loss protection
Your current insurance may not cover you fully in the event of a catastrophic loss. Learn more.
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